The Capricornian Club Account

transaction accountorganisation onlystale

Club Account is a transaction account from The Capricornian. It pays 0.00% p.a. with no bonus conditions.

Not ranked: a transaction (everyday) account, not a savings account.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

One rate on every balance, with no upper limit.

Conditions

• not updated by the bank since 2026-10-22, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
• open only to clubs, not-for-profits, schools or community organisations

Features

app

yes

Osko

yes

PayID

yes

BPAY

yes

notifications

yes

Other features, in the bank's words:

• Account sweep available Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance

Fees, limits and who can open it

monthly fee

no monthly fee stated

interest paid

monthly

interest calculated

daily

open to

personal and business customers

organisation only

open only to clubs, not-for-profits, schools or community organisations

Who can open it, in the bank's own words:

• Individual Incorporated and Unincorporated Clubs and Organisations
• You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you
• residency: Individuals must be citizens or permanent residents of Australia

About this account

A transaction account designed specifically for not-for-profit organisations, clubs and community groups, offering the features your club needs to use and move your money.

Data

• The Capricornian's own page for this account.
• The bank's documents its product record links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 22 October 2026.
• /au/finance/savings-accounts/v1/brands/the-capricornian.json: this bank's accounts and every balance band as JSON; The Capricornian's page lists them.
• The bank last updated this record on 22 October 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.

Other accounts at The Capricornian

• Bonus Saver Accountstale savings account, 4.99% conditional at $50,000
• Everyday Saver Accountstale savings account, 0.10% base at $50,000
• iSaverstale savings account, 0.60% base at $50,000
• Youth Access Accountstale savings account
• Business Access Accountstale transaction account, 0.00% base at $50,000
• Pension Access Accountstale transaction account, 0.38% base at $50,000
• Personal Access Accountstale transaction account, 0.00% base at $50,000
• Student Access Accountstale transaction account, 0.00% base at $50,000

All of The Capricornian's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.